Who qualifies for these programs in 2026?

Eligibility for down-payment assistance and first-time buyer programs typically comes down to household income limits, the purchase price of the home, whether you have owned a home recently, and sometimes the county the property sits in. Programs change their income limits and funding levels from year to year, so the only reliable way to confirm current eligibility is checking with the program administrator or a participating lender. Requirements also differ between Cherokee, Cobb, Fulton, Forsyth, and Bartow counties. Joel Boss can point you toward lenders who track current program rules.